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51
States Covered
23
Enhanced Protection

SCRA by State

Federal SCRA protects all servicemembers, but 23 states offer additional protections including lower interest rate caps, Title 32 coverage, and more.

Enhanced State Protections
Federal SCRA Only
Enhanced Protections
23 states with state-level protections
Alaska California Colorado Florida Georgia Hawaii Illinois Indiana Louisiana Michigan Nevada New Mexico New York North Carolina Ohio Oregon Pennsylvania South Carolina Tennessee Texas Virginia Washington Wisconsin
Federal SCRA Only
28 states with federal protections
Alabama Arizona Arkansas Connecticut Delaware District of Columbia Idaho Iowa Kansas Kentucky Maine Maryland Massachusetts Minnesota Mississippi Missouri Montana Nebraska New Hampshire New Jersey North Dakota Oklahoma Rhode Island South Dakota Utah Vermont West Virginia Wyoming

Interest Rate Caps

Federal SCRA and most state laws cap rates at 6%. Some lenders like Chase voluntarily offer 4%—check your lender's SCRA program.

Title 32 Coverage

Federal SCRA only covers Title 10 activations. Some states extend protections to state-activated National Guard members.

Eviction Protection

Federal SCRA has rent limits for eviction protection. States like New York have no rent limit, protecting all servicemembers.

Get Your State's Protections

We automatically apply both federal and state-specific protections when filing your SCRA claims.

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